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única. Lo que sí puedes hacer es evaluar cada proveedor con criterios objetivos que impactan directamente en tu operativa diaria. Estos son los seis factores que deberías considerar antes de tomar una decisión:",{"type":283,"attrs":698,"content":699},{"level":285,"textAlign":25},[700],{"text":701,"type":116},"1. Controles de gasto y límites por empleado",{"type":110,"attrs":703,"content":705},{"textAlign":25,"key":704},"p-45",[706],{"text":707,"type":116},"¿Puedes establecer un tope mensual o por transacción para cada empleado? ¿Puedes bloquear categorías de comercio específicas (por ejemplo, retiradas de efectivo o compras personales)? Una tarjeta de empresa con límites individualizados marca la diferencia entre un presupuesto controlado y un sobregiro inesperado al final del mes.",{"type":110,"attrs":709,"content":711},{"textAlign":25,"key":710},"p-46",[712],{"text":713,"type":116},"Las plataformas más avanzadas permiten configurar reglas granulares: límites diarios, semanales y mensuales, restricciones por tipo de comercio e incluso horarios de uso permitido.",{"type":283,"attrs":715,"content":716},{"level":285,"textAlign":25},[717],{"text":718,"type":116},"2. Integración con tu software contable",{"type":110,"attrs":720,"content":722},{"textAlign":25,"key":721},"p-47",[723,725,731],{"text":724,"type":116},"Si la tarjeta no se sincroniza automáticamente con tu ERP o ",{"text":726,"type":116,"marks":727},"herramientas financieras",[728],{"type":218,"attrs":729},{"href":730,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/herramientas-financieras/",{"text":732,"type":116},"  (Sage, A3, Holded, Contaplus, SAP), duplicarás el trabajo de conciliación cada mes. Pregunta siempre si el proveedor ofrece exportación automática de asientos contables, mapeo de categorías de gasto y conciliación en tiempo real.",{"type":110,"attrs":734,"content":736},{"textAlign":25,"key":735},"p-48",[737],{"text":738,"type":116},"Una integración bien configurada puede reducir hasta un 80% el tiempo de entrada manual de datos, según datos de Spendesk. Eso son horas de tu equipo cada mes que puedes redirigir a análisis financiero de mayor valor.",{"type":283,"attrs":740,"content":741},{"level":285,"textAlign":25},[742],{"text":743,"type":116},"3. Captura de recibos y automatización del cumplimiento",{"type":110,"attrs":745,"content":747},{"textAlign":25,"key":746},"p-49",[748,750,756],{"text":749,"type":116},"El 80% de los problemas en auditorías de la AEAT provienen de recibos perdidos o mal archivados. Busca proveedores que permitan a los empleados fotografiar el ticket desde el móvil inmediatamente después de la compra y que envíen recordatorios automáticos si falta documentación. Una buena ",{"text":751,"type":116,"marks":752},"gestión de recibos",[753],{"type":218,"attrs":754},{"href":755,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/gestion-de-recibos/",{"text":757,"type":116}," marca la diferencia entre un cierre contable limpio y una pesadilla de documentación.",{"type":110,"attrs":759,"content":761},{"textAlign":25,"key":760},"p-50",[762,764,770],{"text":763,"type":116},"La mejor práctica del mercado alcanza tasas de entrega de recibos a tiempo del 97-98%. Spendesk consigue este resultado con su funcionalidad «Play by the Rules», que bloquea automáticamente la tarjeta si el empleado no sube el recibo en el plazo establecido. Esto transforma completamente el ",{"text":765,"type":116,"marks":766},"cierre mensual",[767],{"type":218,"attrs":768},{"href":769,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":771,"type":116},".",{"type":283,"attrs":773,"content":774},{"level":285,"textAlign":25},[775],{"text":776,"type":116},"4. Costes y comisiones",{"type":110,"attrs":778,"content":780},{"textAlign":25,"key":779},"p-51",[781],{"text":782,"type":116},"No te fijes solo en la cuota mensual. Calcula el coste total de propiedad: comisiones por transacción nacional e internacional, coste de emisión de tarjetas adicionales (físicas y virtuales), comisiones de cambio de divisa para compras en otras monedas y el tiempo de tu equipo en conciliación manual.",{"type":110,"attrs":784,"content":786},{"textAlign":25,"key":785},"p-52",[787],{"text":788,"type":116},"Una tarjeta «gratuita» que te obliga a 10 horas de trabajo administrativo al mes no es gratuita. El coste real incluye el tiempo de tu equipo, las deducciones fiscales perdidas por recibos extraviados y el riesgo de sanciones por incumplimiento documental.",{"type":283,"attrs":790,"content":791},{"level":285,"textAlign":25},[792],{"text":793,"type":116},"5. Cashback o recompensas",{"type":110,"attrs":795,"content":797},{"textAlign":25,"key":796},"p-53",[798],{"text":799,"type":116},"Algunos proveedores ofrecen tarjetas con cashback, con devoluciones del 0,5% al 1% sobre el gasto total. Si tu empresa mueve 100.000 euros al año en tarjetas, eso son entre 500 y 1.000 euros de ahorro directo. Para empresas con mayor volumen de gasto, las cifras se multiplican.",{"type":110,"attrs":801,"content":803},{"textAlign":25,"key":802},"p-54",[804],{"text":805,"type":116},"No es el factor decisivo, pero a igualdad de funcionalidades, el cashback suma. 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Esto elimina el riesgo de suscripciones «zombie» que siguen cobrando meses después de que dejaste de usar el servicio.",{"type":283,"attrs":824,"content":825},{"level":687,"textAlign":25},[826],{"text":827,"type":116},"¿Qué gastos puedes pagar con una tarjeta de empresa?",{"type":110,"attrs":829,"content":831},{"textAlign":25,"key":830},"p-57",[832,834,840],{"text":833,"type":116},"Una tarjeta de empresa puede cubrir cualquier gasto directamente relacionado con la actividad del negocio. Los ",{"text":835,"type":116,"marks":836},"tipos de gastos que las empresas deben controlar",[837],{"type":218,"attrs":838},{"href":839,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/tipos-de-gastos/",{"text":841,"type":116}," más habituales incluyen:",{"type":843,"content":844},"bullet_list",[845,858,870,882,894,906,918],{"type":846,"content":847},"list_item",[848],{"type":110,"attrs":849,"content":851},{"textAlign":25,"key":850},"p-58",[852,856],{"text":853,"type":116,"marks":854},"Viajes y desplazamientos",[855],{"type":303},{"text":857,"type":116},": billetes de avión, tren, autobús, alquiler de vehículos, taxis, VTC, peajes y aparcamientos",{"type":846,"content":859},[860],{"type":110,"attrs":861,"content":863},{"textAlign":25,"key":862},"p-59",[864,868],{"text":865,"type":116,"marks":866},"Alojamiento",[867],{"type":303},{"text":869,"type":116},": hoteles, apartamentos y residencias para viajes de trabajo",{"type":846,"content":871},[872],{"type":110,"attrs":873,"content":875},{"textAlign":25,"key":874},"p-60",[876,880],{"text":877,"type":116,"marks":878},"Combustible",[879],{"type":303},{"text":881,"type":116},": la tarjeta de combustible para empresas o tarjeta de gasolina para empresas es especialmente útil para equipos comerciales con vehículo de empresa, flotas de vehículos y empresas de logística o transporte",{"type":846,"content":883},[884],{"type":110,"attrs":885,"content":887},{"textAlign":25,"key":886},"p-61",[888,892],{"text":889,"type":116,"marks":890},"Suscripciones SaaS",[891],{"type":303},{"text":893,"type":116},": software de productividad, herramientas de marketing, plataformas de colaboración, servicios cloud",{"type":846,"content":895},[896],{"type":110,"attrs":897,"content":899},{"textAlign":25,"key":898},"p-62",[900,904],{"text":901,"type":116,"marks":902},"Material de oficina",[903],{"type":303},{"text":905,"type":116},": consumibles, mobiliario, equipos informáticos, material de papelería",{"type":846,"content":907},[908],{"type":110,"attrs":909,"content":911},{"textAlign":25,"key":910},"p-63",[912,916],{"text":913,"type":116,"marks":914},"Comidas de negocio",[915],{"type":303},{"text":917,"type":116},": almuerzos con clientes, cenas de equipo, catering para reuniones (dentro de los límites legales de representación)",{"type":846,"content":919},[920],{"type":110,"attrs":921,"content":923},{"textAlign":25,"key":922},"p-64",[924,928],{"text":925,"type":116,"marks":926},"Formación",[927],{"type":303},{"text":929,"type":116},": cursos, conferencias, libros profesionales, certificaciones",{"type":283,"attrs":931,"content":932},{"level":285,"textAlign":25},[933],{"text":934,"type":116},"Deducibilidad del IVA en gastos con tarjeta",{"type":110,"attrs":936,"content":938},{"textAlign":25,"key":937},"p-65",[939,941,947],{"text":940,"type":116},"Para que un gasto con tarjeta de empresa sea deducible a efectos del IVA (artículos 92-97 de la Ley del IVA), debe cumplir tres condiciones obligatorias según los ",{"text":942,"type":116,"marks":943},"requisitos de la AEAT para gastos deducibles",[944],{"type":218,"attrs":945},{"href":946,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/irpf-2025/c07-rendimientos-actividades-economicas-estimacion-directa/fase-1-determinacion-rendimiento-neto/gastos-fiscalmente-deducibles/requisitos-considerar-gasto-deducible.html",{"text":948,"type":116},":",{"type":950,"attrs":951,"content":953},"ordered_list",{"order":388,"key":952},"ol-0",[954,966,978],{"type":846,"content":955},[956],{"type":110,"attrs":957,"content":959},{"textAlign":25,"key":958},"p-66",[960,964],{"text":961,"type":116,"marks":962},"Relación directa con la actividad empresarial",[963],{"type":303},{"text":965,"type":116},": el gasto debe ser necesario para generar ingresos gravados. Los gastos personales o mixtos no son deducibles.",{"type":846,"content":967},[968],{"type":110,"attrs":969,"content":971},{"textAlign":25,"key":970},"p-67",[972,976],{"text":973,"type":116,"marks":974},"Factura completa con todos los datos fiscales",[975],{"type":303},{"text":977,"type":116},": no vale un ticket simplificado para gastos superiores a 400 euros. Necesitas factura con NIF del emisor, descripción del servicio, base imponible, tipo de IVA y cuota. Para importes menores, el ticket simplificado es válido, pero la factura completa siempre es preferible.",{"type":846,"content":979},[980],{"type":110,"attrs":981,"content":983},{"textAlign":25,"key":982},"p-68",[984,988,990,996],{"text":985,"type":116,"marks":986},"Registro contable correcto",[987],{"type":303},{"text":989,"type":116},": el gasto debe estar asentado en la contabilidad de la empresa y declarado en el ",{"text":991,"type":116,"marks":992},"Modelo 303",[993],{"type":218,"attrs":994},{"href":995,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://sede.agenciatributaria.gob.es/Sede/todas-gestiones/impuestos-tasas/iva/modelo-303-iva-autoliquidacion_/instrucciones.html",{"text":997,"type":116}," trimestral correspondiente.",{"type":283,"attrs":999,"content":1000},{"level":285,"textAlign":25},[1001],{"text":1002,"type":116},"Gastos que NO deberías cargar a una tarjeta de empresa",{"type":843,"content":1004},[1005,1013,1021,1029,1037],{"type":846,"content":1006},[1007],{"type":110,"attrs":1008,"content":1010},{"textAlign":25,"key":1009},"p-69",[1011],{"text":1012,"type":116},"Compras personales de cualquier tipo, aunque se «devuelva» el importe después",{"type":846,"content":1014},[1015],{"type":110,"attrs":1016,"content":1018},{"textAlign":25,"key":1017},"p-70",[1019],{"text":1020,"type":116},"Entretenimiento que exceda los límites legales de representación (comidas superiores a ciertos importes sin justificación comercial)",{"type":846,"content":1022},[1023],{"type":110,"attrs":1024,"content":1026},{"textAlign":25,"key":1025},"p-71",[1027],{"text":1028,"type":116},"Retiradas de efectivo (alto riesgo de auditoría, difícil trazabilidad y comisiones elevadas)",{"type":846,"content":1030},[1031],{"type":110,"attrs":1032,"content":1034},{"textAlign":25,"key":1033},"p-72",[1035],{"text":1036,"type":116},"Gastos sin documentación justificativa (factura o ticket)",{"type":846,"content":1038},[1039],{"type":110,"attrs":1040,"content":1042},{"textAlign":25,"key":1041},"p-73",[1043],{"text":1044,"type":116},"Regalos a clientes por encima de los límites deducibles establecidos por la AEAT",{"type":110,"attrs":1046,"content":1048},{"textAlign":25,"key":1047},"p-74",[1049],{"text":1050,"type":116},"Las plataformas de gestión del gasto más avanzadas permiten bloquear categorías de comercio a nivel de tarjeta. Esto significa que puedes impedir gastos no autorizados antes de que ocurran, no después. Si configuras la tarjeta para rechazar transacciones en cajeros automáticos, el empleado simplemente no podrá sacar efectivo. Es control preventivo, no reactivo.",{"type":283,"attrs":1052,"content":1053},{"level":687,"textAlign":25},[1054],{"text":1055,"type":116},"¿Cómo establecer controles de gasto en tarjetas de empresa?",{"type":110,"attrs":1057,"content":1058},{"textAlign":25,"key":112},[1059],{"text":1060,"type":116},"El verdadero valor de una tarjeta de empresa para empleados no está en el plástico ni en el número de 16 dígitos: está en los controles que puedes configurar para gobernar el gasto antes de que ocurra. Estos son los mecanismos de control más efectivos:",{"type":283,"attrs":1062,"content":1063},{"level":285,"textAlign":25},[1064],{"text":1065,"type":116},"Límites por empleado",{"type":110,"attrs":1067,"content":1068},{"textAlign":25,"key":239},[1069],{"text":1070,"type":116},"Configura un techo de gasto mensual o por transacción para cada titular de tarjeta. Un comercial junior que viaja ocasionalmente no necesita el mismo límite que un director de área que gestiona eventos con clientes. Los límites individualizados evitan sorpresas en el cierre y permiten ajustar la capacidad de gasto al rol de cada persona.",{"type":110,"attrs":1072,"content":1073},{"textAlign":25,"key":270},[1074],{"text":1075,"type":116},"Las plataformas más avanzadas permiten límites escalonados: hasta 200 euros sin aprobación, de 200 a 1.000 euros con aprobación del responsable, y más de 1.000 euros con aprobación de finanzas.",{"type":283,"attrs":1077,"content":1078},{"level":285,"textAlign":25},[1079],{"text":1080,"type":116},"Restricciones por categoría de comercio",{"type":110,"attrs":1082,"content":1083},{"textAlign":25,"key":291},[1084],{"text":1070,"type":116},{"type":110,"attrs":1086,"content":1087},{"textAlign":25,"key":297},[1088],{"text":1089,"type":116},"Las plataformas más avanzadas permiten límites escalonados: hasta 200 euros sin aprobación, de 200 a 1.000 euros con aprobación del responsable y más de 1.000 euros con aprobación de finanzas.",{"type":283,"attrs":1091,"content":1092},{"level":285,"textAlign":25},[1093],{"text":1094,"type":116},"Flujos de aprobación",{"type":110,"attrs":1096,"content":1097},{"textAlign":25,"key":308},[1098],{"text":1099,"type":116},"Configura aprobaciones previas para compras que superen un umbral. Por ejemplo: cualquier gasto superior a 500 euros requiere aprobación del responsable de área antes de que se autorice la transacción. Esto añade una capa de control sin paralizar las operaciones del día a día.",{"type":110,"attrs":1101,"content":1102},{"textAlign":25,"key":323},[1103],{"text":1104,"type":116},"Los flujos de aprobación también funcionan para compras fuera del horario habitual o en categorías sensibles.",{"type":283,"attrs":1106,"content":1107},{"level":285,"textAlign":25},[1108],{"text":1109,"type":116},"Alertas en tiempo real",{"type":110,"attrs":1111,"content":1112},{"textAlign":25,"key":329},[1113],{"text":1114,"type":116},"Tu equipo de finanzas debería recibir una notificación cada vez que se produce una transacción. La visibilidad en tiempo real elimina las sorpresas al final del mes y permite detectar anomalías inmediatamente.",{"type":110,"attrs":1116,"content":1117},{"textAlign":25,"key":338},[1118],{"text":1119,"type":116},"Las alertas configurables por importe o categoría permiten monitorizar solo lo relevante: gastos que superen un umbral o transacciones en categorías sensibles.",{"type":283,"attrs":1121,"content":1122},{"level":285,"textAlign":25},[1123],{"text":1124,"type":116},"Cumplimiento de recibos con bloqueo automático",{"type":110,"attrs":1126,"content":1127},{"textAlign":25,"key":352},[1128],{"text":1129,"type":116},"La función más efectiva para el cierre contable: si el empleado no sube el recibo en un plazo determinado (normalmente 48-72 horas), la tarjeta se bloquea automáticamente hasta que cumpla con la documentación pendiente.",{"type":110,"attrs":1131,"content":1132},{"textAlign":25,"key":358},[1133],{"text":1134,"type":116},"Según datos de Spendesk, la funcionalidad «Play by the Rules» consigue que el 97-98% de los recibos se entreguen a tiempo. Compara eso con la media del sector, donde las empresas recuperan apenas el 60-70% de los recibos, y entenderás por qué esto transforma el cierre mensual.",{"type":283,"attrs":1136,"content":1137},{"level":687,"textAlign":25},[1138],{"text":1139,"type":116},"¿Qué errores comunes cometen las empresas con sus tarjetas?",{"type":110,"attrs":1141,"content":1142},{"textAlign":25,"key":367},[1143],{"text":1144,"type":116},"Después de trabajar con cientos de equipos financieros en toda Europa, estos son los cinco errores que vemos repetirse una y otra vez:",{"type":283,"attrs":1146,"content":1147},{"level":285,"textAlign":25},[1148],{"text":1149,"type":116},"Error 1: usar una única tarjeta de crédito compartida",{"type":110,"attrs":1151,"content":1152},{"textAlign":25,"key":392},[1153,1155,1161],{"text":1154,"type":116},"Una tarjeta que pasa de mano en mano entre empleados es una pesadilla de trazabilidad. No sabes quién ha gastado qué, los recibos se pierden entre varios titulares y el riesgo de fraude interno se multiplica. Cada empleado que gasta debería tener su propia tarjeta con límites individuales y responsabilidad personal sobre sus transacciones. La alternativa a las ",{"text":1156,"type":116,"marks":1157},"hojas de gastos",[1158],{"type":218,"attrs":1159},{"href":1160,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/hojas-de-gastos/",{"text":1162,"type":116}," manuales es un sistema donde cada gasto queda registrado automáticamente.",{"type":283,"attrs":1164,"content":1165},{"level":285,"textAlign":25},[1166],{"text":1167,"type":116},"Error 2: no establecer límites por empleado",{"type":110,"attrs":1169,"content":1170},{"textAlign":25,"key":401},[1171],{"text":1172,"type":116},"Sin topes de gasto individualizados, los presupuestos se descontrolan. Un empleado con buenas intenciones puede aprobar una compra urgente que desequilibra las cuentas del mes. Los límites no son una señal de desconfianza hacia tu equipo: son gobernanza financiera básica que protege tanto a la empresa como al empleado.",{"type":283,"attrs":1174,"content":1175},{"level":285,"textAlign":25},[1176],{"text":1177,"type":116},"Error 3: ignorar el cumplimiento de recibos",{"type":110,"attrs":1179,"content":1180},{"textAlign":25,"key":410},[1181],{"text":1182,"type":116},"Cada recibo que falta es IVA no deducible y un potencial problema con la AEAT en caso de inspección. Las empresas que no tienen un proceso estructurado de cumplimiento de recibos pierden una media del 5% al 10% en deducciones fiscales legítimas. Con tipos de IVA del 21%, eso es dinero real que estás dejando sobre la mesa.",{"type":283,"attrs":1184,"content":1185},{"level":285,"textAlign":25},[1186],{"text":1187,"type":116},"Error 4: elegir una tarjeta sin integración contable",{"type":110,"attrs":1189,"content":1190},{"textAlign":25,"key":419},[1191,1193,1199],{"text":1192,"type":116},"Si tu tarjeta no se sincroniza automáticamente con tu software contable, duplicas el trabajo de conciliación. Eso son horas de tu equipo cada mes que podrían dedicarse a análisis financiero, previsiones de tesorería o negociación con proveedores. Una correcta gestión de las ",{"text":1194,"type":116,"marks":1195},"cuentas de gastos",[1196],{"type":218,"attrs":1197},{"href":1198,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/cuentas-de-gastos/",{"text":1200,"type":116}," depende de que los datos fluyan automáticamente de la tarjeta al software contable.",{"type":283,"attrs":1202,"content":1203},{"level":285,"textAlign":25},[1204],{"text":1205,"type":116},"Error 5: no desactivar tarjetas cuando los empleados se van",{"type":110,"attrs":1207,"content":1208},{"textAlign":25,"key":431},[1209],{"text":1210,"type":116},"Cada tarjeta activa de un ex-empleado es un riesgo de seguridad. Las plataformas modernas permiten desactivar tarjetas con un clic, en tiempo real. La banca tradicional puede tardar días en procesar una baja.",{"type":283,"attrs":1212,"content":1213},{"level":687,"textAlign":25},[1214],{"text":1215,"type":116},"Resumen: cómo encontrar la tarjeta de empresa adecuada",{"type":110,"attrs":1217,"content":1218},{"textAlign":25,"key":440},[1219],{"text":1220,"type":116,"marks":1221},"Puntos clave:",[1222],{"type":303},{"type":843,"content":1224},[1225,1232,1239,1246,1253],{"type":846,"content":1226},[1227],{"type":110,"attrs":1228,"content":1229},{"textAlign":25,"key":449},[1230],{"text":1231,"type":116},"El modelo prepago ofrece el mayor control sobre el gasto: los empleados solo gastan lo que has aprobado y cargado previamente en su tarjeta.",{"type":846,"content":1233},[1234],{"type":110,"attrs":1235,"content":1236},{"textAlign":25,"key":457},[1237],{"text":1238,"type":116},"Evalúa proveedores por controles de gasto, integración contable, automatización de recibos y coste total de propiedad, no solo por la cuota mensual visible.",{"type":846,"content":1240},[1241],{"type":110,"attrs":1242,"content":1243},{"textAlign":25,"key":468},[1244],{"text":1245,"type":116},"Configura límites individuales, restricciones por categoría y flujos de aprobación desde el primer día de implantación.",{"type":846,"content":1247},[1248],{"type":110,"attrs":1249,"content":1250},{"textAlign":25,"key":477},[1251],{"text":1252,"type":116},"El cumplimiento de recibos automatizado puede alcanzar tasas del 97-98% con la tecnología adecuada, según datos de Spendesk.",{"type":846,"content":1254},[1255],{"type":110,"attrs":1256,"content":1257},{"textAlign":25,"key":486},[1258],{"text":1259,"type":116},"Una tarjeta de empresa no es solo un medio de pago: es un sistema de control del gasto que debería simplificar tu cierre mensual, no complicarlo.",{"type":110,"attrs":1261,"content":1262},{"textAlign":25,"key":495},[1263,1265,1271],{"text":1264,"type":116},"La tarjeta de empresa adecuada para tu equipo no es necesariamente la más barata ni la que ofrece más cashback. Es la que te da visibilidad en tiempo real sobre cada transacción, elimina el trabajo manual de conciliación y garantiza que cada gasto esté correctamente documentado antes de que llegue la auditoría. Descubre cómo funcionan ",{"text":1266,"type":116,"marks":1267},"tarjetas inteligentes de Spendesk",[1268],{"type":218,"attrs":1269},{"href":1270,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/platform/smart-company-cards/",{"text":1272,"type":116}," para empresas que necesitan un control real del gasto.",{"type":110,"attrs":1274,"content":1275},{"textAlign":25,"key":506},[1276],{"text":1277,"type":116},"El siguiente paso: evalúa los proveedores según los criterios de esta guía y solicita una demo de las plataformas que cumplan tus requisitos técnicos y operativos.",{"type":244,"attrs":1279},{"id":1280,"body":1281},"3aa00f69-ece0-4197-9883-9e05e28aca06",[1282],{"_uid":1283,"link":1284,"image":1290,"component":266,"mobileImage":1296},"i-7a17ee7d-a426-497a-ba62-484148db3fa5",[1285],{"tag":90,"_uid":1286,"hide":28,"icon":1287,"link":1289,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"1c639cb8-241e-453b-8c52-6c95fd8681a8",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1288},{},{"id":90,"url":256,"linktype":98,"fieldtype":99,"cached_url":256},[1291],{"_uid":1292,"type":90,"asset":1293,"caption":90,"overlay":1295,"component":265},"23deadf9-f3ad-4724-97bd-2022b8308b72",{"id":261,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":262,"copyright":90,"fieldtype":95,"meta_data":1294,"is_external_url":28},{},[],[],{"type":283,"attrs":1298,"content":1299},{"level":687,"textAlign":25},[1300],{"text":1301,"type":116},"Preguntas frecuentes",{"type":110,"attrs":1303,"content":1304},{"textAlign":25,"key":515},[1305],{"type":225},{"type":110,"attrs":1307,"content":1308},{"textAlign":25,"key":523},[1309,1310],{"type":225},{"text":1311,"type":116},"¿Cuál es la diferencia entre tarjeta de crédito y prepago para empresas?",{"type":110,"attrs":1313,"content":1314},{"textAlign":25,"key":532},[1315],{"text":1316,"type":116},"La tarjeta de crédito para empresas funciona con una línea de crédito que se liquida mensualmente, con intereses si aplazas el pago. La tarjeta prepago se carga con un saldo específico antes de su uso. El modelo prepago ofrece mayor control porque el empleado solo puede gastar lo aprobado previamente, con límites de hasta 200.000 euros por transacción en algunas plataformas.",{"type":283,"attrs":1318,"content":1319},{"level":285,"textAlign":25},[1320],{"text":1321,"type":116},"¿Puedo usar una tarjeta de empresa para gasolina o combustible?",{"type":110,"attrs":1323,"content":1324},{"textAlign":25,"key":543},[1325],{"text":1326,"type":116},"Sí. El combustible es un gasto deducible para empresas con actividad que lo justifique (equipos comerciales, flotas, logística). La tarjeta de combustible para empresas es especialmente útil porque puedes restringirla exclusivamente a gasolineras. Conserva siempre la factura completa para la deducción del IVA en el Modelo 303.",{"type":283,"attrs":1328,"content":1329},{"level":285,"textAlign":25},[1330],{"text":1331,"type":116},"¿Qué requisitos piden para obtener una tarjeta de empresa?",{"type":110,"attrs":1333,"content":1334},{"textAlign":25,"key":552},[1335],{"text":1336,"type":116},"Depende del proveedor. Los bancos tradicionales requieren análisis de solvencia, documentación financiera (balances, cuentas anuales) y un proceso de aprobación de 2 a 4 semanas. Las plataformas de tarjetas prepago suelen tener requisitos más ágiles: alta en 24-48 horas sin necesidad de aval ni historial crediticio previo.",{"type":283,"attrs":1338,"content":1339},{"level":285,"textAlign":25},[1340],{"text":1341,"type":116},"¿Las tarjetas de empresa tienen cashback?",{"type":110,"attrs":1343,"content":1344},{"textAlign":25,"key":561},[1345],{"text":1346,"type":116},"Algunos proveedores ofrecen tarjetas con cashback, con devoluciones del 0,5% al 1% sobre el gasto total. Para una empresa que mueve 200.000 euros anuales en tarjetas, eso supone entre 1.000 y 2.000 euros de ahorro directo. Revisa las condiciones: algunos programas excluyen categorías o tienen topes máximos de devolución anual.",{"type":283,"attrs":1348,"content":1349},{"level":285,"textAlign":25},[1350],{"text":1351,"type":116},"¿Cómo afecta el IVA a los gastos con tarjeta de empresa?",{"type":110,"attrs":1353,"content":1354},{"textAlign":25,"key":570},[1355,1357,1362],{"text":1356,"type":116},"El IVA de los gastos con tarjeta de empresa es deducible si el gasto está relacionado con la actividad empresarial, dispones de factura completa (no ticket simplificado para importes superiores a 400 euros) y lo registras correctamente en tu contabilidad para el ",{"text":991,"type":116,"marks":1358},[1359],{"type":218,"attrs":1360},{"href":1361,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.wolterskluwer.com/es-es/expert-insights/modelo-303-del-iva-que-es",{"text":1363,"type":116},". Los gastos sin documentación justificativa no son deducibles y pueden generar sanciones de la AEAT en caso de inspección.",{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":1370,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":1379,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":1383,"default_full_slug":1384,"translated_slugs":1385,"_stopResolving":41},"Article","2022-08-16T21:22:30.004Z","2026-03-12T10:47:19.141Z",176457684,"8247dae6-c25f-40a0-a55e-abc94cf94989",{"_uid":1371,"icon":1372,"name":1365,"component":1376},"407a665a-29cb-4d52-87ff-12de3e192c58",{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},5859474,"edit-img","https://a.storyblok.com/f/146026/x/fd72101ce9/edit.svg","category","article","es/blog/category/article",[],176456151,"124984e3-bd16-480f-bdda-d9b6ec869fc7","2022-11-02T15:25:23.777Z",[],"blog/category/article",[1386,1387,1388],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[1391],{"_uid":1392,"type":90,"asset":1393,"caption":90,"overlay":1397,"component":265},"451ae820-c31f-425a-8b43-8bba285a4d6f",{"id":1394,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1395,"copyright":90,"fieldtype":95,"meta_data":1396,"is_external_url":28},168574011002053,"https://a.storyblok.com/f/146026/1376x768/b29c3c8d91/invoice-data-extraction.png",{},[],[],"2026-04-22 00:00",[1401],{"_uid":1402,"type":90,"asset":1403,"caption":90,"overlay":1407,"component":265},"738c7c89-88ba-4be9-9273-80a88c7d67aa",{"id":1404,"alt":90,"name":90,"focus":90,"title":90,"source":90,"filename":1405,"copyright":90,"fieldtype":95,"meta_data":1406,"is_external_url":28},168581980950531,"https://a.storyblok.com/f/146026/1376x768/652f608b15/company-card-policy.png",{},[],"Descubre los tipos de tarjetas de empresa en España (prepago, crédito, débito), cómo elegir la mejor para tu equipo, configurar controles de gasto y cumplir con el IVA.",[1410],{"cta":1411,"_uid":1418,"image":1419,"title":1421,"subtitle":90,"component":1434},[1412],{"tag":90,"_uid":1413,"hide":28,"icon":1414,"link":1416,"type":90,"label":90,"style":100,"component":101,"mobileLabel":90,"onClickEvent":90,"openInANewTab":41,"horizontalFill":28},"e68219a7-67a2-44aa-9890-f9139a1a4981",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1415},{},{"id":90,"url":1417,"linktype":98,"fieldtype":99,"cached_url":1417},"https://www.spendesk.com/es/schedule-a-demo/","885126d4-83e1-4d60-9f72-dae11ff77966",{"id":25,"alt":25,"name":90,"focus":25,"title":25,"source":25,"filename":90,"copyright":25,"fieldtype":95,"meta_data":1420},{},{"type":107,"content":1422},[1423],{"type":110,"attrs":1424,"content":1425},{"textAlign":25,"key":112},[1426,1430,1431,1432],{"text":1427,"type":116,"marks":1428},"¿Listo para optimizar la gestión de gastos?",[1429],{"type":303},{"type":225},{"type":225},{"text":1433,"type":116},"Descubre cómo Spendesk puede ayudarte a centralizar los pagos, simplificar procesos y tener más control sobre el gasto en toda tu organización. 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El software AP lo registra, lo vincula a la orden de compra correspondiente y lo descuenta automáticamente cuando llega la factura definitiva.",{"_uid":3506,"title":3507,"component":3154,"description":3508},"22246c54-fb10-4ab8-b83d-39aacff0f6be","¿Cuánto tiempo lleva implementar la automatización de cuentas por pagar?",{"type":107,"content":3509},[3510],{"type":110,"attrs":3511,"content":3512},{"textAlign":25},[3513,3515,3521],{"text":3514,"type":116},"Para una empresa de 50 a 500 empleados, el proceso completo, incluyendo migración de datos de proveedores y formación del equipo, suele llevar entre cuatro y ocho semanas. --- Si tu empresa procesa decenas o cientos de facturas cada mes y el cierre contable sigue siendo un ejercicio manual, la automatización AP es el siguiente paso lógico. ",{"text":3516,"type":116,"marks":3517},"Solicita una demo",[3518],{"type":218,"attrs":3519},{"href":3520,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://cta-redirect.hubspot.com/cta/redirect/2694209/03098c55-28b6-455d-827f-0aa7abdb09f5",{"text":3522,"type":116}," y descubre cómo pasar de perseguir facturas a controlar el gasto antes de que ocurra.",[3524],{"cta":3525,"_uid":3526,"title":3527,"eyebrow":3533,"subtitle":3538,"component":283,"textAlign":90,"flexibleSection":3543,"sectionSettings":3544,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"af888cb4-e638-494c-8961-edb9fd921e41",{"type":107,"content":3528},[3529],{"type":283,"attrs":3530,"content":3531},{"level":687,"textAlign":25},[3532],{"text":1301,"type":116},{"type":107,"content":3534},[3535],{"type":110,"attrs":3536,"content":3537},{"textAlign":25},[],{"type":107,"content":3539},[3540],{"type":110,"attrs":3541,"content":3542},{"textAlign":25},[],[],[],"automatizacion-cuentas-por-pagar","es/blog/automatizacion-cuentas-por-pagar",-1850,[],"02974883-ff5a-406b-ae71-689455771581","2026-06-10T13:00:50.663Z",[],"blog/automatizacion-cuentas-por-pagar",[3554,3555,3556],{"path":3552,"name":25,"lang":37,"published":25},{"path":3552,"name":25,"lang":39,"published":25},{"path":3552,"name":25,"lang":32,"published":25},{"name":3558,"created_at":3559,"published_at":3560,"updated_at":3561,"id":3562,"uuid":3563,"content":3564,"slug":3682,"full_slug":3683,"sort_by_date":25,"position":3684,"tag_list":3685,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3686,"first_published_at":3687,"release_id":25,"lang":32,"path":25,"alternates":3688,"default_full_slug":3689,"translated_slugs":3690},"Dietas de empresa en España 2025: límites exentos de IRPF, tipos y gestión","2026-06-10T13:00:09.823Z","2026-06-10T13:15:15.489Z","2026-06-10T13:15:15.510Z",185986293099372,"4776b7f8-1f61-4651-bb76-bad848dc011e",{"_uid":3565,"title":3558,"topics":3566,"noIndex":28,"category":3584,"language":3593,"component":1377,"heroMedia":3594,"metaTitle":3595,"publishedAt":90,"readingTime":3596,"redirectUrl":90,"listingImage":3597,"metaDescription":3598,"bottomArticleCta":3599,"componentsAfterTheArticle":3600},"a5a39df6-4803-4543-9fed-1f82b7ac0f23",[3567],{"name":3568,"created_at":3569,"published_at":16,"updated_at":3570,"id":3571,"uuid":3572,"content":3573,"slug":3574,"full_slug":3575,"sort_by_date":25,"position":142,"tag_list":3576,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3577,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3578,"default_full_slug":3579,"translated_slugs":3580,"_stopResolving":41},"Gastos de viaje","2023-04-12T07:19:37.669Z","2026-03-12T10:47:54.379Z",290528756,"d0fe3c08-c1c8-4a15-8097-9e2f3cdba473",{"_uid":138,"name":3568,"component":22},"gastos-de-viaje","es/blog/topic/gastos-de-viaje",[],"785ebf54-2c27-4a0f-85e5-8e67afae86f2",[],"blog/topic/gastos-de-viaje",[3581,3582,3583],{"path":3579,"name":25,"lang":37,"published":25},{"path":3579,"name":25,"lang":39,"published":25},{"path":3579,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3585,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3587,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3588,"default_full_slug":1384,"translated_slugs":3589,"_stopResolving":41},{"_uid":1371,"icon":3586,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3590,3591,3592],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Dietas de empresa en España 2025: límites exentos de IRPF, t","10",[],"Guía práctica sobre dietas de empresa en España 2025: límites exentos de IRPF para manutención, alojamiento y kilometraje, con documentación y contabilización.",[],[3601],{"_uid":3602,"items":3603,"heading":3660,"component":3284},"20bcdb27-96d0-47ca-ae1a-2e46500818a8",[3604,3614,3624,3634,3644],{"_uid":3605,"title":3606,"component":3154,"description":3607},"1c043b21-b18e-4937-9343-6424db086152","¿Es obligatorio pagar dietas a los trabajadores?",{"type":107,"content":3608},[3609],{"type":110,"attrs":3610,"content":3611},{"textAlign":25},[3612],{"text":3613,"type":116},"No existe una obligación general en el Estatuto de los Trabajadores. El derecho a percibir dietas depende del convenio colectivo aplicable o del acuerdo individual. Si el desplazamiento genera gastos, la empresa debe compensarlos según lo pactado.",{"_uid":3615,"title":3616,"component":3154,"description":3617},"88d58c23-5846-49cd-bace-64ebe886dcd0","¿A cuánto se paga el kilometraje en 2025?",{"type":107,"content":3618},[3619],{"type":110,"attrs":3620,"content":3621},{"textAlign":25},[3622],{"text":3623,"type":116},"En 2025, la AEAT fija 0,26 €/km como importe exento de IRPF para vehículo particular. Muchas empresas pagan entre 0,28 y 0,30 €/km; el exceso sobre 0,26 € tributa como rendimiento del trabajo en la nómina del empleado.",{"_uid":3625,"title":3626,"component":3154,"description":3627},"90f39560-6e31-48a1-ac27-d4f53fbc56b7","¿Las dietas forman parte del salario?",{"type":107,"content":3628},[3629],{"type":110,"attrs":3630,"content":3631},{"textAlign":25},[3632],{"text":3633,"type":116},"La parte que queda dentro de los límites exentos no tiene consideración de salario ni cotiza a la Seguridad Social. Solo el exceso sobre los umbrales de la AEAT se considera retribución salarial sujeta a IRPF y cotizaciones.",{"_uid":3635,"title":3636,"component":3154,"description":3637},"e8983bf8-0d10-42b6-b009-30da5ea41c4f","¿Qué diferencia hay entre dietas con pernocta y sin pernocta?",{"type":107,"content":3638},[3639],{"type":110,"attrs":3640,"content":3641},{"textAlign":25},[3642],{"text":3643,"type":116},"Con pernocta, el límite exento de manutención nacional es 53,34 €/día. Sin pernocta, baja a 26,67 €/día. La pernocta se acredita con factura de hotel; sin ella, la AEAT aplica el tramo inferior.",{"_uid":3645,"title":3646,"component":3154,"description":3647},"daa65787-d05a-4f9f-9abc-e51e7e2ea55d","¿Cómo gestionar el IRPF en las dietas y gastos de representación?",{"type":107,"content":3648},[3649],{"type":110,"attrs":3650,"content":3651},{"textAlign":25},[3652,3654],{"text":3653,"type":116},"El empleador clasifica cada dieta por tipo (manutención, alojamiento, kilometraje), aplica los límites exentos correspondientes e incluye el exceso como retribución sujeta a IRPF en la nómina. Un sistema digitalizado de gestión de gastos reduce los errores de clasificación y genera la documentación que la AEAT puede solicitar. --- Gestionar dietas, justificantes y clasificación fiscal con hojas de cálculo y correos electrónicos multiplica el riesgo de error en cada nómina. Spendesk centraliza la captura de recibos, el cálculo de kilometraje y la aprobación de cada desplazamiento en una sola plataforma, con un expediente digital listo para cualquier inspección. ",{"text":3655,"type":116,"marks":3656},"Descubre cómo Spendesk automatiza la gestión de gastos de viaje",[3657],{"type":218,"attrs":3658},{"href":3659,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/platform/expense-reimbursements/",[3661],{"cta":3662,"_uid":3663,"title":3664,"eyebrow":3670,"subtitle":3675,"component":283,"textAlign":90,"flexibleSection":3680,"sectionSettings":3681,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"b06c6845-fa64-4f31-a5b9-db15659f02a7",{"type":107,"content":3665},[3666],{"type":283,"attrs":3667,"content":3668},{"level":687,"textAlign":25},[3669],{"text":1301,"type":116},{"type":107,"content":3671},[3672],{"type":110,"attrs":3673,"content":3674},{"textAlign":25},[],{"type":107,"content":3676},[3677],{"type":110,"attrs":3678,"content":3679},{"textAlign":25},[],[],[],"dietas-empresa-espana-2025","es/blog/dietas-empresa-espana-2025",-1840,[],"9f592bd9-fa78-4a6d-8a51-c7442bf469dd","2026-06-10T13:00:49.224Z",[],"blog/dietas-empresa-espana-2025",[3691,3692,3693],{"path":3689,"name":25,"lang":37,"published":25},{"path":3689,"name":25,"lang":39,"published":25},{"path":3689,"name":25,"lang":32,"published":25},{"name":3695,"created_at":3696,"published_at":3697,"updated_at":3698,"id":3699,"uuid":3700,"content":3701,"slug":3800,"full_slug":3801,"sort_by_date":25,"position":3802,"tag_list":3803,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3804,"first_published_at":3805,"release_id":25,"lang":32,"path":25,"alternates":3806,"default_full_slug":3807,"translated_slugs":3808},"¿Qué funciones debe incluir un software de gestión de gastos para empresas?","2026-06-10T13:00:08.016Z","2026-06-10T13:15:13.995Z","2026-06-10T13:15:14.020Z",185986285677344,"0fd60c61-7c97-44d6-be9e-aa35a99bef41",{"_uid":3702,"title":3695,"topics":3703,"noIndex":28,"category":3712,"language":3721,"component":1377,"heroMedia":3722,"metaTitle":3723,"publishedAt":90,"readingTime":3724,"redirectUrl":90,"listingImage":3725,"metaDescription":3726,"bottomArticleCta":3727,"componentsAfterTheArticle":3728},"5eb2a554-f1de-4dd9-bd4f-ec0cbbd1487f",[3704],{"name":174,"created_at":175,"published_at":16,"updated_at":176,"id":177,"uuid":178,"content":3705,"slug":180,"full_slug":181,"sort_by_date":25,"position":142,"tag_list":3706,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":183,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3707,"default_full_slug":185,"translated_slugs":3708,"_stopResolving":41},{"_uid":138,"name":174,"component":22},[],[],[3709,3710,3711],{"path":185,"name":25,"lang":37,"published":25},{"path":185,"name":25,"lang":39,"published":25},{"path":185,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3713,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3715,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3716,"default_full_slug":1384,"translated_slugs":3717,"_stopResolving":41},{"_uid":1371,"icon":3714,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3718,3719,3720],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"¿Qué funciones debe incluir un software de gestión de gastos","8",[],"Descubre qué funciones debe incluir un software de gestión de gastos para empresas medianas: desde OCR y tarjetas virtuales hasta integración ERP y procurement.",[],[3729],{"_uid":3730,"items":3731,"heading":3778,"component":3284},"23c02ce5-41ba-44dd-b456-3533886b0ca7",[3732,3742,3752,3762],{"_uid":3733,"title":3734,"component":3154,"description":3735},"3e0e0e1d-544b-491f-b156-8e690c1a359e","¿Qué criterios debo usar para comparar un software de control de gastos?",{"type":107,"content":3736},[3737],{"type":110,"attrs":3738,"content":3739},{"textAlign":25},[3740],{"text":3741,"type":116},"Evalúa la cobertura del ciclo completo de gasto (no solo las expense claims), la gestión nativa de IVA, la integración con tu ERP y la capacidad de escalar de 50 a 500 empleados sin cambiar de plataforma.",{"_uid":3743,"title":3744,"component":3154,"description":3745},"8894ce3b-05d3-4719-b145-b825bd107da1","¿Cuánto cuesta un software de gestión de gastos para una empresa mediana?",{"type":107,"content":3746},[3747],{"type":110,"attrs":3748,"content":3749},{"textAlign":25},[3750],{"text":3751,"type":116},"Los modelos de precio varían entre tarifa por usuario, cuota fija o modelo híbrido. La pregunta relevante es cuánto cuesta no tenerlo: el procesamiento manual de cada nota de gasto consume tiempo del equipo financiero, del empleado y del aprobador, y las excepciones de política detectadas a final de mes cuestan precisión contable.",{"_uid":3753,"title":3754,"component":3154,"description":3755},"be948b3f-f4ae-43aa-b9d5-35917ff73fe5","¿Cómo afecta VERI*FACTU a la elección de software de gestión de gastos?",{"type":107,"content":3756},[3757],{"type":110,"attrs":3758,"content":3759},{"textAlign":25},[3760],{"text":3761,"type":116},"Desde enero de 2027 (sociedades) y julio de 2027 (resto de obligados tributarios), todo software de facturación en España debe generar registros con código QR, huella digital y trazabilidad en tiempo real. Cualquier plataforma que elijas debería estar ya preparándose para cumplir con VERI*FACTU.",{"_uid":3763,"title":3764,"component":3154,"description":3765},"9f150f8a-edc4-488f-9442-2d02b5f974d0","¿Cómo consigo que el equipo adopte un nuevo software de gestión de gastos?",{"type":107,"content":3766},[3767],{"type":110,"attrs":3768,"content":3769},{"textAlign":25},[3770,3772,3776],{"text":3771,"type":116},"La adopción depende de dos factores: que el proceso sea más sencillo que el anterior y que los empleados vean el beneficio inmediato (reembolsos más rápidos, menos papeleo). Elige una plataforma con app móvil intuitiva y flujos que guíen al usuario paso a paso. --- ",{"text":2323,"type":116,"marks":3773},[3774],{"type":218,"attrs":3775},{"href":3520,"uuid":25,"anchor":25,"target":221,"linktype":98},{"text":3777,"type":116}," y descubre cómo tu equipo financiero puede recuperar el control del gasto sin frenar al resto de la empresa.",[3779],{"cta":3780,"_uid":3781,"title":3782,"eyebrow":3788,"subtitle":3793,"component":283,"textAlign":90,"flexibleSection":3798,"sectionSettings":3799,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"1ed8dacd-f211-4ddf-aa7e-5bd6e62e2575",{"type":107,"content":3783},[3784],{"type":283,"attrs":3785,"content":3786},{"level":687,"textAlign":25},[3787],{"text":1301,"type":116},{"type":107,"content":3789},[3790],{"type":110,"attrs":3791,"content":3792},{"textAlign":25},[],{"type":107,"content":3794},[3795],{"type":110,"attrs":3796,"content":3797},{"textAlign":25},[],[],[],"funciones-software-gestion-gastos","es/blog/funciones-software-gestion-gastos",-1830,[],"376bec69-5a09-4a81-98f2-35411d6f6516","2026-06-10T13:00:47.645Z",[],"blog/funciones-software-gestion-gastos",[3809,3810,3811],{"path":3807,"name":25,"lang":37,"published":25},{"path":3807,"name":25,"lang":39,"published":25},{"path":3807,"name":25,"lang":32,"published":25},{"name":3813,"created_at":3814,"published_at":3815,"updated_at":3816,"id":3817,"uuid":3818,"content":3819,"slug":3917,"full_slug":3918,"sort_by_date":25,"position":3919,"tag_list":3920,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":3921,"first_published_at":3922,"release_id":25,"lang":32,"path":25,"alternates":3923,"default_full_slug":3924,"translated_slugs":3925},"Spendesk vs Tickelia: qué software de gestión de gastos elegir","2026-06-10T13:00:06.352Z","2026-06-10T13:15:12.498Z","2026-06-10T13:15:12.534Z",185986278869738,"a97ab97d-0652-439c-8151-603219f3755d",{"_uid":3820,"title":3813,"topics":3821,"noIndex":28,"category":3830,"language":3839,"component":1377,"heroMedia":3840,"metaTitle":3841,"publishedAt":90,"readingTime":3327,"redirectUrl":90,"listingImage":3842,"metaDescription":3843,"bottomArticleCta":3844,"componentsAfterTheArticle":3845},"98213d02-2c4c-4e70-b2d0-426295843b03",[3822],{"name":174,"created_at":175,"published_at":16,"updated_at":176,"id":177,"uuid":178,"content":3823,"slug":180,"full_slug":181,"sort_by_date":25,"position":142,"tag_list":3824,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":183,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3825,"default_full_slug":185,"translated_slugs":3826,"_stopResolving":41},{"_uid":138,"name":174,"component":22},[],[],[3827,3828,3829],{"path":185,"name":25,"lang":37,"published":25},{"path":185,"name":25,"lang":39,"published":25},{"path":185,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3831,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3833,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3834,"default_full_slug":1384,"translated_slugs":3835,"_stopResolving":41},{"_uid":1371,"icon":3832,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3836,3837,3838],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Spendesk vs Tickelia: qué software de gestión de gastos eleg",[],"Comparamos Spendesk y Tickelia punto por punto: funcionalidades, integraciones con Sage y Holded, precios y cumplimiento VERI*FACTU para empresas españolas.",[],[3846],{"_uid":3847,"items":3848,"heading":3895,"component":3284},"2822d6a4-c880-4d22-940f-e5556a6b43f3",[3849,3859,3868,3878],{"_uid":3850,"title":3851,"component":3154,"description":3852},"d7198fc1-33c0-4d3a-9567-217d9448642d","¿Cuál es el mejor software de gastos para empresas medianas?",{"type":107,"content":3853},[3854],{"type":110,"attrs":3855,"content":3856},{"textAlign":25},[3857],{"text":3858,"type":116},"Depende del alcance que necesite. Si busca un especialista en notas de gastos y viajes, una herramienta como Tickelia cubre ese ámbito. Si busca una plataforma de gestión del gasto que integre tarjetas, facturas y órdenes de compra (7 módulos en uno), una solución como Spendesk es más completa para empresas a partir de 50 empleados.",{"_uid":3860,"title":3734,"component":3154,"description":3861},"c082e752-cca9-47e6-bfb1-bdfc7d91698d",{"type":107,"content":3862},[3863],{"type":110,"attrs":3864,"content":3865},{"textAlign":25},[3866],{"text":3867,"type":116},"Evalúe cuatro factores: la profundidad de las integraciones con su contabilidad (Sage, Holded, A3), el modelo de precio (por usuario frente a ilimitado), la preparación para VERI*FACTU (plazo de adaptación antes de enero de 2027) y el alcance funcional (solo notas de gastos o las siete áreas del ciclo completo del gasto).",{"_uid":3869,"title":3870,"component":3154,"description":3871},"c9d42fcf-d686-4451-98cb-5999ada41d8a","¿Se puede migrar de Tickelia a Spendesk (o viceversa)?",{"type":107,"content":3872},[3873],{"type":110,"attrs":3874,"content":3875},{"textAlign":25},[3876],{"text":3877,"type":116},"Sí, la migración es posible en ambas direcciones. Spendesk ofrece un proceso de implantación con un tiempo medio de seis semanas, y algunas empresas completan la puesta en marcha en dos semanas.",{"_uid":3879,"title":3880,"component":3154,"description":3881},"bbb70107-8afe-485d-8ab7-904dd50fdadd","¿Qué funciones debe incluir un software de gastos empresariales?",{"type":107,"content":3882},[3883],{"type":110,"attrs":3884,"content":3885},{"textAlign":25},[3886,3888,3893],{"text":3887,"type":116},"Como mínimo cinco funciones: captura de recibos con OCR, flujos de aprobación configurables, integración con su ERP o software contable, analítica en tiempo real y gestión de tarjetas de empresa. Las plataformas más completas añaden órdenes de compra y gestión de facturas de proveedores, lo que reduce la necesidad de herramientas adicionales. --- ¿Quiere ver cómo Spendesk gestiona el gasto de empresas españolas? ",{"text":3889,"type":116,"marks":3890},"Solicita una demostración personalizada",[3891],{"type":218,"attrs":3892},{"href":3520,"uuid":25,"anchor":25,"target":221,"linktype":98},{"text":3894,"type":116}," y compruebe cómo funciona con su equipo y su contabilidad.",[3896],{"cta":3897,"_uid":3898,"title":3899,"eyebrow":3905,"subtitle":3910,"component":283,"textAlign":90,"flexibleSection":3915,"sectionSettings":3916,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"56c82387-541f-4e55-a46e-cc1403be2c3b",{"type":107,"content":3900},[3901],{"type":283,"attrs":3902,"content":3903},{"level":687,"textAlign":25},[3904],{"text":1301,"type":116},{"type":107,"content":3906},[3907],{"type":110,"attrs":3908,"content":3909},{"textAlign":25},[],{"type":107,"content":3911},[3912],{"type":110,"attrs":3913,"content":3914},{"textAlign":25},[],[],[],"spendesk-vs-tickelia","es/blog/spendesk-vs-tickelia",-1820,[],"03b5611a-a0e0-4335-8877-09491885afe4","2026-06-10T13:00:29.597Z",[],"blog/spendesk-vs-tickelia",[3926,3927,3928],{"path":3924,"name":25,"lang":37,"published":25},{"path":3924,"name":25,"lang":39,"published":25},{"path":3924,"name":25,"lang":32,"published":25},{"name":3930,"created_at":3931,"published_at":3932,"updated_at":3933,"id":3934,"uuid":3935,"content":3936,"slug":4041,"full_slug":4042,"sort_by_date":25,"position":4043,"tag_list":4044,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4045,"first_published_at":4046,"release_id":25,"lang":32,"path":25,"alternates":4047,"default_full_slug":4048,"translated_slugs":4049},"Mejor software de gestión de gastos para empresas medianas: 5 criterios clave en 2025","2026-06-10T13:00:04.866Z","2026-06-10T13:15:10.674Z","2026-06-10T13:15:10.733Z",185986272795279,"992a9d42-f217-421f-9900-bec0bc60dd5b",{"_uid":3937,"title":3930,"topics":3938,"noIndex":28,"category":3947,"language":3956,"component":1377,"heroMedia":3957,"metaTitle":3958,"publishedAt":90,"readingTime":3457,"redirectUrl":90,"listingImage":3959,"metaDescription":3960,"bottomArticleCta":3961,"componentsAfterTheArticle":3962},"f2c19e55-6afd-44ba-a402-4cf896052133",[3939],{"name":174,"created_at":175,"published_at":16,"updated_at":176,"id":177,"uuid":178,"content":3940,"slug":180,"full_slug":181,"sort_by_date":25,"position":142,"tag_list":3941,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":183,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":3942,"default_full_slug":185,"translated_slugs":3943,"_stopResolving":41},{"_uid":138,"name":174,"component":22},[],[],[3944,3945,3946],{"path":185,"name":25,"lang":37,"published":25},{"path":185,"name":25,"lang":39,"published":25},{"path":185,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":3948,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":3950,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":3951,"default_full_slug":1384,"translated_slugs":3952,"_stopResolving":41},{"_uid":1371,"icon":3949,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[3953,3954,3955],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Mejor software de gestión de gastos para empresas medianas: ",[],"Descubra los criterios clave para elegir un software de gestión empresarial en empresas medianas. Comparativa de funciones, cumplimiento normativo y coste total.",[],[3963],{"_uid":3964,"items":3965,"heading":4019,"component":3284},"2e238039-222e-4f20-b680-e7b8630f8c26",[3966,3975,3984,3994,4004],{"_uid":3967,"title":3734,"component":3154,"description":3968},"c3fc812c-e671-40ce-a0ab-70362da5114a",{"type":107,"content":3969},[3970],{"type":110,"attrs":3971,"content":3972},{"textAlign":25},[3973],{"text":3974,"type":116},"Utilice un marco de cinco dimensiones: cobertura funcional (tarjetas, facturas, solicitudes de compra en un flujo), integración con el ecosistema contable español (Holded, A3, Sage), cumplimiento normativo (SII, VERI*FACTU, Crea y Crece), coste total a 12 meses incluyendo comisiones ocultas y velocidad de implantación (el promedio del mercado oscila entre 2 y 12 semanas según la complejidad).",{"_uid":3976,"title":3880,"component":3154,"description":3977},"42d6797a-234f-4989-8398-f8691e17fd83",{"type":107,"content":3978},[3979],{"type":110,"attrs":3980,"content":3981},{"textAlign":25},[3982],{"text":3983,"type":116},"Como mínimo: digitalización de justificantes con OCR, flujos de aprobación configurables, integración contable nativa con herramientas españolas y tarjetas corporativas con límites por transacción. Para empresas de más de 100 empleados, añada gestión multi-entidad, conciliación automática y gestión centralizada de suscripciones.",{"_uid":3985,"title":3986,"component":3154,"description":3987},"fca5ad08-a4b6-4efe-a16e-9300c850ef5a","¿Qué diferencia a una herramienta de notas de gastos de una plataforma integral de gestión de gasto?",{"type":107,"content":3988},[3989],{"type":110,"attrs":3990,"content":3991},{"textAlign":25},[3992],{"text":3993,"type":116},"Las herramientas especializadas en notas de gastos se centran en la digitalización de justificantes, las dietas de viaje (con tarifas como los 0,26 €/km aprobados por la AEAT) y la recuperación automática del IVA. Las plataformas integrales unifican tarjetas, facturas de proveedores, solicitudes de compra, conciliación a tres bandas y gestión multi-entidad en un solo flujo.",{"_uid":3995,"title":3996,"component":3154,"description":3997},"691cb59c-49e8-4838-934d-5ba8fa487452","¿Cuánto cuesta un software de gestión de gastos para empresas medianas?",{"type":107,"content":3998},[3999],{"type":110,"attrs":4000,"content":4001},{"textAlign":25},[4002],{"text":4003,"type":116},"Los modelos de precios varían entre 5 y 15 € por usuario al mes, dependiendo del conjunto de funciones. Compruebe los costes ocultos: comisiones de emisión de tarjetas, recargos por cambio de divisa (que pueden oscilar entre el 0,5 % y el 3 %) y cargos de implantación. Algunas plataformas ofrecen usuarios y tarjetas virtuales ilimitados sin coste adicional por puesto.",{"_uid":4005,"title":3851,"component":3154,"description":4006},"28d9571b-2637-4881-bb2a-60aa0ca27230",{"type":107,"content":4007},[4008],{"type":110,"attrs":4009,"content":4010},{"textAlign":25},[4011,4013,4018],{"text":4012,"type":116},"La mejor elección depende de las necesidades específicas de cada empresa: número de entidades, presencia internacional, volumen de facturas y nivel de integración contable requerido. Las plataformas de control previo permiten conciliar hasta el 95 % de los pagos en menos de dos días. 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Criterios clave, plataformas y cómo preparar tu empresa.",[],[4087],{"_uid":4088,"items":4089,"heading":4140,"component":3284},"e031a1fc-d7ec-4419-b0cc-7d43b8049452",[4090,4100,4110,4120,4130],{"_uid":4091,"title":4092,"component":3154,"description":4093},"35173e6f-b94a-4bf2-bfa8-c54a0ac8a667","¿Cuándo es obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":4094},[4095],{"type":110,"attrs":4096,"content":4097},{"textAlign":25},[4098],{"text":4099,"type":116},"El mandato B2B bajo la Ley Crea y Crece (RD 238/2026) se implementa en dos fases: las empresas con facturación superior a 8 millones de euros tienen 12 meses desde la entrada en vigor, y el resto de empresas y autónomos disponen de 24 meses.",{"_uid":4101,"title":4102,"component":3154,"description":4103},"8ed60cc6-c695-48c5-b0b7-e790c275d7c4","¿Qué es VERI*FACTU y qué exige a mi software?",{"type":107,"content":4104},[4105],{"type":110,"attrs":4106,"content":4107},{"textAlign":25},[4108],{"text":4109,"type":116},"VERI*FACTU (RD 1007/2023) es el sistema antifraude que obliga a que todo software de facturación genere una huella digital y un código QR verificable por la AEAT. Solo los programas certificados podrán utilizarse a partir de julio de 2026.",{"_uid":4111,"title":4112,"component":3154,"description":4113},"06febdba-cbb0-4d99-a353-25e588c910c2","¿Qué diferencia hay entre FACe y FACeB2B?",{"type":107,"content":4114},[4115],{"type":110,"attrs":4116,"content":4117},{"textAlign":25},[4118],{"text":4119,"type":116},"FACe es la plataforma de la administración pública para recibir facturas electrónicas de proveedores (B2G), obligatoria desde 2015. FACeB2B es su extensión para facilitar el intercambio de facturas electrónicas entre empresas privadas, aunque su adopción aún es limitada.",{"_uid":4121,"title":4122,"component":3154,"description":4123},"a2225b99-93a0-43e4-8112-28ec2353d6d8","¿Necesito un software distinto para emitir y para recibir facturas electrónicas?",{"type":107,"content":4124},[4125],{"type":110,"attrs":4126,"content":4127},{"textAlign":25},[4128],{"text":4129,"type":116},"No necesariamente, pero muchas herramientas de facturación se centran en la emisión. La recepción, validación y archivo de facturas entrantes requiere funcionalidad de cuentas por pagar que no todos los programas incluyen.",{"_uid":4131,"title":4132,"component":3154,"description":4133},"aa15ff52-b5c0-48e4-8364-f8de9cea6930","¿Cómo afecta el TicketBAI a las empresas del País Vasco?",{"type":107,"content":4134},[4135],{"type":110,"attrs":4136,"content":4137},{"textAlign":25},[4138],{"text":4139,"type":116},"TicketBAI es un sistema antifraude ya activo en las tres diputaciones forales del País Vasco. Exige que el software de facturación genere un fichero firmado electrónicamente por cada operación, con requisitos técnicos distintos al VERI*FACTU estatal. --- New call-to-action",[4141],{"cta":4142,"_uid":4143,"title":4144,"eyebrow":4150,"subtitle":4155,"component":283,"textAlign":90,"flexibleSection":4160,"sectionSettings":4161,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"d006b0c1-9502-47a6-b3b8-6d6f6da226c5",{"type":107,"content":4145},[4146],{"type":283,"attrs":4147,"content":4148},{"level":687,"textAlign":25},[4149],{"text":1301,"type":116},{"type":107,"content":4151},[4152],{"type":110,"attrs":4153,"content":4154},{"textAlign":25},[],{"type":107,"content":4156},[4157],{"type":110,"attrs":4158,"content":4159},{"textAlign":25},[],[],[],"mejor-software-factura-electronica-empresas","es/blog/mejor-software-factura-electronica-empresas",-1800,[],"e23f149d-ed7b-4c9c-b9b3-72b649244711","2026-06-10T13:00:44.711Z",[],"blog/mejor-software-factura-electronica-empresas",[4171,4172,4173],{"path":4169,"name":25,"lang":37,"published":25},{"path":4169,"name":25,"lang":39,"published":25},{"path":4169,"name":25,"lang":32,"published":25},{"name":4175,"created_at":4176,"published_at":4177,"updated_at":4178,"id":4179,"uuid":4180,"content":4181,"slug":4291,"full_slug":4292,"sort_by_date":25,"position":4293,"tag_list":4294,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4295,"first_published_at":4296,"release_id":25,"lang":32,"path":25,"alternates":4297,"default_full_slug":4298,"translated_slugs":4299},"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a paso","2026-06-10T13:00:01.653Z","2026-06-10T13:15:07.252Z","2026-06-10T13:15:07.276Z",185986259622305,"a4efc33d-5ef5-4c71-ae30-9ddb4ab0f2e6",{"_uid":4182,"title":4175,"topics":4183,"noIndex":28,"category":4192,"language":4201,"component":1377,"heroMedia":4202,"metaTitle":4203,"publishedAt":90,"readingTime":3596,"redirectUrl":90,"listingImage":4204,"metaDescription":4205,"bottomArticleCta":4206,"componentsAfterTheArticle":4207},"57a35c14-a7ca-4f2b-ae0a-077678fd4606",[4184],{"name":1699,"created_at":3300,"published_at":16,"updated_at":3301,"id":3302,"uuid":3303,"content":4185,"slug":3305,"full_slug":3306,"sort_by_date":25,"position":142,"tag_list":4186,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3308,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4187,"default_full_slug":3310,"translated_slugs":4188,"_stopResolving":41},{"_uid":138,"name":1699,"component":22},[],[],[4189,4190,4191],{"path":3310,"name":25,"lang":37,"published":25},{"path":3310,"name":25,"lang":39,"published":25},{"path":3310,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4193,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4195,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4196,"default_full_slug":1384,"translated_slugs":4197,"_stopResolving":41},{"_uid":1371,"icon":4194,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4198,4199,4200],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Modelo 303: qué es, para qué sirve y cómo presentarlo paso a",[],"El modelo 303 es la autoliquidación trimestral del IVA ante la AEAT. Consulta plazos, casillas principales, errores frecuentes y el proceso de presentación telemática paso a paso.",[],[4208],{"_uid":4209,"items":4210,"heading":4269,"component":3284},"624a6787-08f1-4f35-8970-94eeedbbef72",[4211,4221,4231,4241,4251],{"_uid":4212,"title":4213,"component":3154,"description":4214},"3e975761-0b11-4ce9-ba64-369dfff1db6d","¿Hay que presentar el modelo 303 si no he facturado nada este trimestre?",{"type":107,"content":4215},[4216],{"type":110,"attrs":4217,"content":4218},{"textAlign":25},[4219],{"text":4220,"type":116},"Sí. La declaración “sin actividad”, con todas las casillas a cero, es obligatoria. No presentarla genera un requerimiento de la AEAT.",{"_uid":4222,"title":4223,"component":3154,"description":4224},"622c369c-1526-4b53-8015-43e53f983215","¿Se puede domiciliar el pago del modelo 303?",{"type":107,"content":4225},[4226],{"type":110,"attrs":4227,"content":4228},{"textAlign":25},[4229],{"text":4230,"type":116},"Sí, pero la declaración debe presentarse al menos cinco días antes del vencimiento. Pasado ese plazo, el pago requiere un código NRC emitido por el banco.",{"_uid":4232,"title":4233,"component":3154,"description":4234},"683dcc52-4e0f-4043-88b9-e383d616c796","¿Qué pasa si el resultado del modelo 303 es negativo?",{"type":107,"content":4235},[4236],{"type":110,"attrs":4237,"content":4238},{"textAlign":25},[4239],{"text":4240,"type":116},"Un resultado negativo (más IVA soportado que devengado) se compensa en trimestres posteriores. La solicitud de devolución sólo es posible en la declaración del cuarto trimestre, que se presenta en enero.",{"_uid":4242,"title":4243,"component":3154,"description":4244},"a79e2939-027d-4fa1-9371-1e2d3be3c405","¿Cómo corrijo un error en un modelo 303 ya presentado?",{"type":107,"content":4245},[4246],{"type":110,"attrs":4247,"content":4248},{"textAlign":25},[4249],{"text":4250,"type":116},"Si la cuota pagada fue inferior a la debida, presenta una declaración complementaria marcándola como tal. Si pagaste de más, envía una solicitud de rectificación a través del registro electrónico de la AEAT dentro de los cuatro años siguientes.",{"_uid":4252,"title":4253,"component":3154,"description":4254},"f9595b39-fe4e-4cf7-8424-31a291072cb4","¿El modelo 303 incluye operaciones intracomunitarias?",{"type":107,"content":4255},[4256],{"type":110,"attrs":4257,"content":4258},{"textAlign":25},[4259,4261,4267],{"text":4260,"type":116},"Sí. Las adquisiciones intracomunitarias se declaran en las casillas 10 y 11 (IVA devengado) y en las casillas 36 a 39 (IVA deducible), aplicando la inversión del sujeto pasivo. Además, presenta el modelo 349 como resumen trimestral de operaciones intracomunitarias. Si gestionas ",{"text":4262,"type":116,"marks":4263},"facturas simplificadas",[4264],{"type":218,"attrs":4265},{"href":4266,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/factura-simplificada/",{"text":4268,"type":116},", ten en cuenta que no son válidas para operaciones intracomunitarias. --- Preparar el modelo 303 cada trimestre no tiene por qué consumir días de trabajo manual. Cuando cada gasto lleva el justificante, la categoría de IVA y la aprobación desde el momento en que se produce, el cierre trimestral se reduce a una revisión final.",[4270],{"cta":4271,"_uid":4272,"title":4273,"eyebrow":4279,"subtitle":4284,"component":283,"textAlign":90,"flexibleSection":4289,"sectionSettings":4290,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":90},[],"73f53eca-6c38-4b8b-ae21-600bcda31b8c",{"type":107,"content":4274},[4275],{"type":283,"attrs":4276,"content":4277},{"level":687,"textAlign":25},[4278],{"text":1301,"type":116},{"type":107,"content":4280},[4281],{"type":110,"attrs":4282,"content":4283},{"textAlign":25},[],{"type":107,"content":4285},[4286],{"type":110,"attrs":4287,"content":4288},{"textAlign":25},[],[],[],"modelo-303-que-es-como-presentarlo","es/blog/modelo-303-que-es-como-presentarlo",-1790,[],"2d457208-a36e-4b52-bdcf-9b37ccb5ce30","2026-06-10T13:00:43.135Z",[],"blog/modelo-303-que-es-como-presentarlo",[4300,4301,4302],{"path":4298,"name":25,"lang":37,"published":25},{"path":4298,"name":25,"lang":39,"published":25},{"path":4298,"name":25,"lang":32,"published":25},{"name":4304,"created_at":4305,"published_at":4306,"updated_at":4307,"id":4308,"uuid":4309,"content":4310,"slug":4422,"full_slug":4423,"sort_by_date":25,"position":4424,"tag_list":4425,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4426,"first_published_at":4306,"release_id":25,"lang":32,"path":25,"alternates":4427,"default_full_slug":4428,"translated_slugs":4429},"Cómo calcular el periodo medio de pago a proveedores paso a paso","2026-06-02T11:11:37.008Z","2026-06-02T11:11:52.472Z","2026-06-02T11:11:52.494Z",183128461410786,"7c7c7ec1-f381-4a05-b962-b3f01cb80b22",{"_uid":4311,"title":4304,"topics":4312,"noIndex":28,"category":4329,"language":4338,"component":1377,"heroMedia":4339,"metaTitle":4340,"publishedAt":90,"readingTime":4341,"redirectUrl":90,"listingImage":4342,"metaDescription":4343,"bottomArticleCta":4344,"componentsAfterTheArticle":4345},"d0c821fb-bad6-4e16-b5b7-ca083e484b03",[4313,4321],{"name":1699,"created_at":3300,"published_at":16,"updated_at":3301,"id":3302,"uuid":3303,"content":4314,"slug":3305,"full_slug":3306,"sort_by_date":25,"position":142,"tag_list":4315,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3308,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4316,"default_full_slug":3310,"translated_slugs":4317,"_stopResolving":41},{"_uid":138,"name":1699,"component":22},[],[],[4318,4319,4320],{"path":3310,"name":25,"lang":37,"published":25},{"path":3310,"name":25,"lang":39,"published":25},{"path":3310,"name":25,"lang":32,"published":25},{"name":191,"created_at":192,"published_at":16,"updated_at":193,"id":194,"uuid":195,"content":4322,"slug":197,"full_slug":198,"sort_by_date":25,"position":142,"tag_list":4323,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":200,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4324,"default_full_slug":202,"translated_slugs":4325,"_stopResolving":41},{"_uid":138,"name":191,"component":22},[],[],[4326,4327,4328],{"path":202,"name":25,"lang":37,"published":25},{"path":202,"name":25,"lang":39,"published":25},{"path":202,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4330,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4332,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4333,"default_full_slug":1384,"translated_slugs":4334,"_stopResolving":41},{"_uid":1371,"icon":4331,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4335,4336,4337],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Cómo calcular el periodo medio de pago a proveedores paso a ","13",[],"Aprende a calcular el PMP con la fórmula del ICAC, un ejemplo práctico y el marco legal vigente en España. Guía paso a paso para equipos financieros.",[],[4346],{"_uid":4347,"items":4348,"heading":2007,"component":3284},"d437e15a-ca83-40ff-962f-928bbc083496",[4349,4367,4377,4387,4397],{"_uid":4350,"title":4351,"component":3154,"description":4352},"12ec5e27-e16b-466c-9889-f60bdd290579","¿Cuál es el plazo máximo legal de pago a proveedores en España?",{"type":107,"content":4353},[4354],{"type":110,"attrs":4355,"content":4356},{"textAlign":25},[4357,4359,4365],{"text":4358,"type":116},"60 días naturales desde la recepción de la factura en el sector privado, según la ",{"text":4360,"type":116,"marks":4361},"Ley 15/2010",[4362],{"type":218,"attrs":4363},{"href":4364,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.boe.es/buscar/act.php?id=BOE-A-2010-10708",{"text":4366,"type":116},". En el sector público, el límite es de 30 días. Superar los 60 días puede bloquear el acceso a subvenciones públicas bajo la Ley Crea y Crece.",{"_uid":4368,"title":4369,"component":3154,"description":4370},"335cdbae-6409-437e-bc47-aaf9635c40a0","¿Qué diferencia hay entre el PMP y el periodo medio de cobro (PMC)?",{"type":107,"content":4371},[4372],{"type":110,"attrs":4373,"content":4374},{"textAlign":25},[4375],{"text":4376,"type":116},"El PMP mide cuántos días tardas en pagar a tus proveedores; el PMC mide cuántos días tardan tus clientes en pagarte. Un desfase en el que el PMC supera al PMP genera tensión de tesorería. En empresas de 50 a 250 empleados, un diferencial superior a 15 días suele requerir una línea de financiación adicional.",{"_uid":4378,"title":4379,"component":3154,"description":4380},"0e40363e-6305-428c-9af4-0b16fff18672","¿Qué es el ratio de operaciones pagadas?",{"type":107,"content":4381},[4382],{"type":110,"attrs":4383,"content":4384},{"textAlign":25},[4385],{"text":4386,"type":116},"Es el cociente entre los pagos efectivamente realizados dentro del plazo legal (60 días) y el total de pagos del ejercicio. El RD 635/2014 exige incluir este ratio en la memoria junto con el PMP. Un ratio inferior al 80 % indica un problema estructural de gestión de pagos.",{"_uid":4388,"title":4389,"component":3154,"description":4390},"989db7da-71e5-4270-8cc4-627e8ed5906c","¿Se puede calcular el PMP en Excel?",{"type":107,"content":4391},[4392],{"type":110,"attrs":4393,"content":4394},{"textAlign":25},[4395],{"text":4396,"type":116},"Sí. Necesitas el saldo medio de acreedores comerciales y el total de compras con IVA del ejercicio. La fórmula en Excel sería: =(saldo_medio/total_compras)*365. Sin embargo, el cálculo manual es propenso a errores de perímetro, especialmente al delimitar qué cuentas incluir. Las empresas con más de 100 facturas mensuales suelen necesitar una solución automatizada.",{"_uid":4398,"title":4399,"component":3154,"description":4400},"ad4adb28-de48-480a-99f2-f97d1cae56a1","¿Qué herramientas recomiendas para la gestión de proveedores y control de compras?",{"type":107,"content":4401},[4402],{"type":110,"attrs":4403,"content":4404},{"textAlign":25},[4405,4407,4413,4415,4421],{"text":4406,"type":116},"Depende de tu infraestructura actual. Si ya trabajas con un ERP como Sage o Holded, empieza por su módulo de cuentas a pagar. Si necesitas automatización del ciclo completo (captura, aprobación, pago y ",{"text":4408,"type":116,"marks":4409},"conciliación",[4410],{"type":218,"attrs":4411},{"href":4412,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/blog/conciliacion-bancaria/",{"text":4414,"type":116},"), evalúa plataformas de gestión de gasto integral que centralicen todo el flujo en un único sistema. La clave es que la herramienta se integre con tu software contable y con los flujos de tu gestoría si externalizas parte de la contabilidad. Controlar el PMP no es solo una obligación legal. Es una ventaja operativa que mejora tu relación con proveedores, reduce costes financieros y te permite acceder a subvenciones y contratos públicos sin restricciones. Si quieres ver cómo Spendesk ayuda a los equipos financieros a gestionar los pagos a proveedores y mantener el PMP bajo control, ",{"text":4416,"type":116,"marks":4417},"visita spendesk.com/es/",[4418],{"type":218,"attrs":4419},{"href":4420,"uuid":25,"anchor":25,"target":221,"linktype":98},"https://www.spendesk.com/es/",{"text":771,"type":116},"calculo-periodo-medio-pago-proveedores","es/blog/calculo-periodo-medio-pago-proveedores",-1710,[],"d8bc9a73-d29e-4d72-9ac4-33a35453bd02",[],"blog/calculo-periodo-medio-pago-proveedores",[4430,4431,4432],{"path":4428,"name":25,"lang":37,"published":25},{"path":4428,"name":25,"lang":39,"published":25},{"path":4428,"name":25,"lang":32,"published":25},{"name":4434,"created_at":4435,"published_at":4436,"updated_at":4437,"id":4438,"uuid":4439,"content":4440,"slug":4532,"full_slug":4533,"sort_by_date":25,"position":4534,"tag_list":4535,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4536,"first_published_at":4537,"release_id":25,"lang":32,"path":25,"alternates":4538,"default_full_slug":4539,"translated_slugs":4540},"Precio del kilometraje en 2025: tarifa exenta, cálculo y gestión en empresas españolas","2026-06-02T11:10:56.225Z","2026-06-02T11:38:24.781Z","2026-06-02T11:38:24.802Z",183128294355419,"7eaea50e-f4b1-4f00-bfd0-9e1e7611d24b",{"_uid":4441,"title":4434,"topics":4442,"noIndex":28,"category":4459,"language":4468,"component":1377,"heroMedia":4469,"metaTitle":4470,"publishedAt":90,"readingTime":3327,"redirectUrl":90,"listingImage":4471,"metaDescription":4472,"bottomArticleCta":4473,"componentsAfterTheArticle":4474},"f391c302-df01-4124-9dff-a4a1ce3c2e27",[4443,4451],{"name":3568,"created_at":3569,"published_at":16,"updated_at":3570,"id":3571,"uuid":3572,"content":4444,"slug":3574,"full_slug":3575,"sort_by_date":25,"position":142,"tag_list":4445,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3577,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4446,"default_full_slug":3579,"translated_slugs":4447,"_stopResolving":41},{"_uid":138,"name":3568,"component":22},[],[],[4448,4449,4450],{"path":3579,"name":25,"lang":37,"published":25},{"path":3579,"name":25,"lang":39,"published":25},{"path":3579,"name":25,"lang":32,"published":25},{"name":174,"created_at":175,"published_at":16,"updated_at":176,"id":177,"uuid":178,"content":4452,"slug":180,"full_slug":181,"sort_by_date":25,"position":142,"tag_list":4453,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":183,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4454,"default_full_slug":185,"translated_slugs":4455,"_stopResolving":41},{"_uid":138,"name":174,"component":22},[],[],[4456,4457,4458],{"path":185,"name":25,"lang":37,"published":25},{"path":185,"name":25,"lang":39,"published":25},{"path":185,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4460,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4462,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4463,"default_full_slug":1384,"translated_slugs":4464,"_stopResolving":41},{"_uid":1371,"icon":4461,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4465,4466,4467],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Precio del kilometraje en 2025: tarifa exenta, cálculo y ges",[],"La tarifa exenta de kilometraje en 2025 es de 0,26 €/km. Aprende a calcular el reembolso, qué documentación exige la AEAT y cómo gestionar el proceso en tu empresa.",[],[4475],{"_uid":4476,"items":4477,"heading":2007,"component":3284},"5bc63eb2-99af-4042-9372-bb39b4b10716",[4478,4487,4497,4507,4517],{"_uid":4479,"title":3616,"component":3154,"description":4480},"40a7c5dd-d0bd-405b-91c2-a1518b7c6e15",{"type":107,"content":4481},[4482],{"type":110,"attrs":4483,"content":4484},{"textAlign":25},[4485],{"text":4486,"type":116},"La tarifa exenta de IRPF es de 0,26 €/km según la Orden HFP/792/2023. Las empresas españolas pagan de media entre 0,28 y 0,30 €/km; cualquier importe por encima de 0,26 € tributa como rendimiento del trabajo.",{"_uid":4488,"title":4489,"component":3154,"description":4490},"ad4d4ff8-53e7-4c18-a63f-ca154730350b","¿El kilometraje se paga ida y vuelta?",{"type":107,"content":4491},[4492],{"type":110,"attrs":4493,"content":4494},{"textAlign":25},[4495],{"text":4496,"type":116},"Sí. La distancia computable es el recorrido completo de ida y vuelta desde el centro de trabajo habitual hasta el destino profesional. Una visita a 60 km de la oficina genera un reembolso por 120 km (0,26 €/km x 120 = 31,20 € exentos). El trayecto domicilio-oficina no cuenta.",{"_uid":4498,"title":4499,"component":3154,"description":4500},"28b7307a-5887-4ecf-89e4-696cfdffa79a","¿Cuándo debe una empresa pagar kilometraje a un trabajador?",{"type":107,"content":4501},[4502],{"type":110,"attrs":4503,"content":4504},{"textAlign":25},[4505],{"text":4506,"type":116},"Siempre que el empleado utilice su vehículo personal para un desplazamiento profesional autorizado. La empresa debe haber aprobado el viaje y el empleado debe documentar fecha, destino, motivo y kilómetros recorridos. El reembolso mínimo habitual es de 0,26 €/km (tarifa exenta de IRPF).",{"_uid":4508,"title":4509,"component":3154,"description":4510},"d13e5e00-f9d7-413f-adb1-5f2d465bd021","¿Hay tarifas diferentes de kilometraje en Euskadi o Navarra?",{"type":107,"content":4511},[4512],{"type":110,"attrs":4513,"content":4514},{"textAlign":25},[4515],{"text":4516,"type":116},"Sí. Euskadi aplica una tarifa exenta de 0,29 €/km y Navarra de 0,35 €/km en 2025 (0,36 €/km desde enero de 2026), conforme a sus regímenes forales propios. Estas tarifas se aplican a los trabajadores que tributan en esos territorios.",{"_uid":4518,"title":4519,"component":3154,"description":4520},"4c774d67-b765-4a7a-9ab7-2b499d051bc7","¿Qué pasa si la empresa paga más de 0,26 €/km?",{"type":107,"content":4521},[4522],{"type":110,"attrs":4523,"content":4524},{"textAlign":25},[4525,4527],{"text":4526,"type":116},"El exceso sobre 0,26 €/km se considera rendimiento del trabajo sujeto a IRPF. La empresa debe aplicar la retención correspondiente en nómina e incluir el importe en el Modelo 190. ¿Quieres dejar de perseguir justificantes de kilometraje? ",{"text":4528,"type":116,"marks":4529},"Descubre cómo Spendesk centraliza las notas de gastos de tu equipo.",[4530],{"type":218,"attrs":4531},{"href":3520,"uuid":25,"anchor":25,"target":221,"linktype":98},"precio-kilometraje-2025","es/blog/precio-kilometraje-2025",-1700,[],"68c470c0-a62e-478a-8b31-a75385c8b200","2026-06-02T11:11:11.405Z",[],"blog/precio-kilometraje-2025",[4541,4542,4543],{"path":4539,"name":25,"lang":37,"published":25},{"path":4539,"name":25,"lang":39,"published":25},{"path":4539,"name":25,"lang":32,"published":25},{"name":4545,"created_at":4546,"published_at":4547,"updated_at":4548,"id":4549,"uuid":4550,"content":4551,"slug":4659,"full_slug":4660,"sort_by_date":25,"position":4661,"tag_list":4662,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4663,"first_published_at":4664,"release_id":25,"lang":32,"path":25,"alternates":4665,"default_full_slug":4666,"translated_slugs":4667},"Anticipo a proveedores: cuenta 407, asiento contable y ejemplos prácticos","2026-06-02T11:10:02.127Z","2026-06-02T11:11:02.810Z","2026-06-02T11:11:02.830Z",183128072765908,"67e9d807-0f4a-4d91-9316-34ba5bf618ce",{"_uid":4552,"title":4545,"topics":4553,"noIndex":28,"category":4570,"language":4579,"component":1377,"heroMedia":4580,"metaTitle":4581,"publishedAt":90,"readingTime":3327,"redirectUrl":90,"listingImage":4582,"metaDescription":4583,"bottomArticleCta":4584,"componentsAfterTheArticle":4585},"c037fbcf-4158-4dad-96d1-4603185c9798",[4554,4562],{"name":1699,"created_at":3300,"published_at":16,"updated_at":3301,"id":3302,"uuid":3303,"content":4555,"slug":3305,"full_slug":3306,"sort_by_date":25,"position":142,"tag_list":4556,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3308,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4557,"default_full_slug":3310,"translated_slugs":4558,"_stopResolving":41},{"_uid":138,"name":1699,"component":22},[],[],[4559,4560,4561],{"path":3310,"name":25,"lang":37,"published":25},{"path":3310,"name":25,"lang":39,"published":25},{"path":3310,"name":25,"lang":32,"published":25},{"name":191,"created_at":192,"published_at":16,"updated_at":193,"id":194,"uuid":195,"content":4563,"slug":197,"full_slug":198,"sort_by_date":25,"position":142,"tag_list":4564,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":200,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4565,"default_full_slug":202,"translated_slugs":4566,"_stopResolving":41},{"_uid":138,"name":191,"component":22},[],[],[4567,4568,4569],{"path":202,"name":25,"lang":37,"published":25},{"path":202,"name":25,"lang":39,"published":25},{"path":202,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4571,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4573,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4574,"default_full_slug":1384,"translated_slugs":4575,"_stopResolving":41},{"_uid":1371,"icon":4572,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4576,4577,4578],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Anticipo a proveedores: cuenta 407, asiento contable y ejemp",[],"Aprenda a contabilizar un anticipo a proveedores con la cuenta 407 paso a paso: asiento contable, tratamiento del IVA y ejemplos prácticos para pymes.",[],[4586],{"_uid":4587,"items":4588,"heading":2007,"component":3284},"5bdc664f-974f-4fdd-83ee-8b66a7c34bd3",[4589,4599,4609,4619,4629,4639,4649],{"_uid":4590,"title":4591,"component":3154,"description":4592},"aefdb719-ec24-410a-9edb-a80b307c49eb","¿El anticipo a proveedores es activo corriente o no corriente?",{"type":107,"content":4593},[4594],{"type":110,"attrs":4595,"content":4596},{"textAlign":25},[4597],{"text":4598,"type":116},"El anticipo a proveedores es activo corriente, ya que se espera liquidar dentro del ciclo normal de explotación, inferior a 12 meses en la mayoría de las operaciones comerciales.",{"_uid":4600,"title":4601,"component":3154,"description":4602},"244f7f2d-9820-4c87-acb8-284406d7d558","¿Es obligatoria la factura de anticipo?",{"type":107,"content":4603},[4604],{"type":110,"attrs":4605,"content":4606},{"textAlign":25},[4607],{"text":4608,"type":116},"Sí. El artículo 75 de la LIVA obliga al proveedor a emitir factura por el anticipo recibido, repercutiendo el IVA al tipo vigente (21 % general). Sin esta factura, el comprador no puede deducir el IVA soportado.",{"_uid":4610,"title":4611,"component":3154,"description":4612},"dbb51f69-8c16-45ba-9860-506936442083","¿Cómo afecta el anticipo al Modelo 303?",{"type":107,"content":4613},[4614],{"type":110,"attrs":4615,"content":4616},{"textAlign":25},[4617],{"text":4618,"type":116},"El IVA del anticipo se incluye en la autoliquidación del trimestre en que se realizó el pago, no en el trimestre de la factura definitiva. Un anticipo de 2.000 € más 420 € de IVA pagado en marzo se declara en el Modelo 303 del primer trimestre.",{"_uid":4620,"title":4621,"component":3154,"description":4622},"bec0d7e4-3051-4522-910d-30dd58969d90","¿Cuál es la diferencia entre la cuenta 407 y la cuenta 400?",{"type":107,"content":4623},[4624],{"type":110,"attrs":4625,"content":4626},{"textAlign":25},[4627],{"text":4628,"type":116},"La cuenta 407 registra pagos adelantados a proveedores (activo), mientras que la cuenta 400 refleja deudas pendientes de pago por compras ya recibidas (pasivo). Ambas pertenecen al Grupo 4 del PGC, pero se sitúan en lados opuestos del balance.",{"_uid":4630,"title":4631,"component":3154,"description":4632},"1063f9ff-ab6b-48ef-ad67-be16cf28d619","¿Cómo se contabilizan las facturas pendientes de recibir?",{"type":107,"content":4633},[4634],{"type":110,"attrs":4635,"content":4636},{"textAlign":25},[4637],{"text":4638,"type":116},"Se utiliza la cuenta 4009, \"Proveedores, facturas pendientes de recibir\". Al cierre de mes, se provisiona el gasto estimado con cargo a la cuenta de compras correspondiente y abono a la 4009. Cuando llega la factura, se revierte la provisión y se registra la operación definitiva con su IVA.",{"_uid":4640,"title":4641,"component":3154,"description":4642},"66d61b9c-5847-428d-b940-b594f0365da3","¿Qué movimientos genera la cuenta 407 en la contabilidad?",{"type":107,"content":4643},[4644],{"type":110,"attrs":4645,"content":4646},{"textAlign":25},[4647],{"text":4648,"type":116},"La cuenta 407 se carga (debe) en el momento del pago del anticipo, reflejando el derecho de cobro frente al proveedor. Se abona (haber) cuando llega la factura definitiva y se liquida la operación, o cuando el proveedor devuelve el anticipo. Si anticipa 3.000 €, la cuenta 407 presenta un saldo deudor de 3.000 € hasta que se reciba la factura definitiva o se produzca la devolución. Un saldo cero confirma que todos los anticipos han sido aplicados o devueltos.",{"_uid":4650,"title":4651,"component":3154,"description":4652},"8e483612-03af-4f1d-8395-6653f3e00a15","¿Cómo verificar que el asiento del anticipo a proveedores es correcto?",{"type":107,"content":4653},[4654],{"type":110,"attrs":4655,"content":4656},{"textAlign":25},[4657],{"text":4658,"type":116},"Comprueba tres puntos: (1) el saldo de la cuenta 407 coincide con la suma de anticipos abiertos pendientes de factura definitiva, (2) el IVA soportado registrado en la cuenta 472 cuadra con las facturas de anticipo recibidas del proveedor, y (3) tras la liquidación, el saldo de la 407 para ese proveedor es cero. Cruza estos datos con el Modelo 303 del trimestre correspondiente para confirmar que no se ha duplicado ninguna deducción de IVA. --- ¿Quieres eliminar la conciliación manual de anticipos y facturas?","anticipo-a-proveedores-cuenta-407","es/blog/anticipo-a-proveedores-cuenta-407",-1690,[],"b8f5cc8e-7154-408b-963e-7739c7f3a1b7","2026-06-02T11:10:24.178Z",[],"blog/anticipo-a-proveedores-cuenta-407",[4668,4669,4670],{"path":4666,"name":25,"lang":37,"published":25},{"path":4666,"name":25,"lang":39,"published":25},{"path":4666,"name":25,"lang":32,"published":25},{"name":4672,"created_at":4673,"published_at":4674,"updated_at":4675,"id":4676,"uuid":4677,"content":4678,"slug":4766,"full_slug":4767,"sort_by_date":25,"position":4768,"tag_list":4769,"is_startpage":28,"parent_id":1440,"meta_data":25,"group_id":4770,"first_published_at":4674,"release_id":25,"lang":32,"path":25,"alternates":4771,"default_full_slug":4772,"translated_slugs":4773},"Ley Crea y Crece: plazos, requisitos y pasos para cumplir con la factura electrónica obligatoria","2026-06-02T11:09:18.499Z","2026-06-02T11:09:32.332Z","2026-06-02T11:09:32.352Z",183127894073824,"ceb5242e-7821-4046-a9fe-36191d9c08ac",{"_uid":4679,"title":4672,"topics":4680,"noIndex":28,"category":4697,"language":4706,"component":1377,"heroMedia":4707,"metaTitle":4708,"publishedAt":90,"readingTime":3327,"redirectUrl":90,"listingImage":4709,"metaDescription":4710,"bottomArticleCta":4711,"componentsAfterTheArticle":4712},"130c6183-fc6a-430e-a0a8-9a1a8702f297",[4681,4689],{"name":1699,"created_at":3300,"published_at":16,"updated_at":3301,"id":3302,"uuid":3303,"content":4682,"slug":3305,"full_slug":3306,"sort_by_date":25,"position":142,"tag_list":4683,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":3308,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4684,"default_full_slug":3310,"translated_slugs":4685,"_stopResolving":41},{"_uid":138,"name":1699,"component":22},[],[],[4686,4687,4688],{"path":3310,"name":25,"lang":37,"published":25},{"path":3310,"name":25,"lang":39,"published":25},{"path":3310,"name":25,"lang":32,"published":25},{"name":191,"created_at":192,"published_at":16,"updated_at":193,"id":194,"uuid":195,"content":4690,"slug":197,"full_slug":198,"sort_by_date":25,"position":142,"tag_list":4691,"is_startpage":28,"parent_id":144,"meta_data":25,"group_id":200,"first_published_at":146,"release_id":25,"lang":32,"path":25,"alternates":4692,"default_full_slug":202,"translated_slugs":4693,"_stopResolving":41},{"_uid":138,"name":191,"component":22},[],[],[4694,4695,4696],{"path":202,"name":25,"lang":37,"published":25},{"path":202,"name":25,"lang":39,"published":25},{"path":202,"name":25,"lang":32,"published":25},{"name":1365,"created_at":1366,"published_at":16,"updated_at":1367,"id":1368,"uuid":1369,"content":4698,"slug":1377,"full_slug":1378,"sort_by_date":25,"position":52,"tag_list":4700,"is_startpage":28,"parent_id":1380,"meta_data":25,"group_id":1381,"first_published_at":1382,"release_id":25,"lang":32,"path":25,"alternates":4701,"default_full_slug":1384,"translated_slugs":4702,"_stopResolving":41},{"_uid":1371,"icon":4699,"name":1365,"component":1376},{"id":1373,"alt":1374,"name":90,"focus":90,"title":90,"filename":1375,"copyright":90,"fieldtype":95,"is_external_url":28},[],[],[4703,4704,4705],{"path":1384,"name":25,"lang":37,"published":25},{"path":1384,"name":25,"lang":39,"published":25},{"path":1384,"name":25,"lang":32,"published":25},[32],[],"Ley Crea y Crece: plazos, requisitos y pasos para cumplir co",[],"El RD 238/2026 fija los plazos de la factura electrónica obligatoria en España. Conoce las fases por tamaño de empresa, los requisitos técnicos y los pasos para cumplir.",[],[4713],{"_uid":4714,"items":4715,"heading":2007,"component":3284},"5d97d873-af0f-4178-b3d1-50307d6cdc30",[4716,4726,4736,4746,4756],{"_uid":4717,"title":4718,"component":3154,"description":4719},"a33736a1-eb21-4a36-8f3c-d67d988cfd33","¿Cuándo será obligatoria la factura electrónica entre empresas en España?",{"type":107,"content":4720},[4721],{"type":110,"attrs":4722,"content":4723},{"textAlign":25},[4724],{"text":4725,"type":116},"Desde octubre de 2027 para empresas con facturación superior a 8 millones de euros anuales, y desde octubre de 2028 para todas las demás empresas y autónomos. Ambas fechas se derivan del RD 238/2026.",{"_uid":4727,"title":4728,"component":3154,"description":4729},"e7cdfa89-91ea-4399-be31-7a63a7d6b668","¿Qué diferencia hay entre VERI\\*FACTU y la factura electrónica de la Ley Crea y Crece?",{"type":107,"content":4730},[4731],{"type":110,"attrs":4732,"content":4733},{"textAlign":25},[4734],{"text":4735,"type":116},"VERI*FACTU regula la generación de facturas: software certificado que envía registros a la AEAT en tiempo real. La Ley Crea y Crece regula el intercambio B2B: facturas en formato estructurado (UBL, CII) entre empresas, con seguimiento obligatorio del estado en un plazo de cuatro días naturales. Ambas son obligatorias de forma simultánea.",{"_uid":4737,"title":4738,"component":3154,"description":4739},"4c2795da-768d-4922-922e-3f60c1b4fbea","¿Se puede contabilizar una factura simplificada bajo la nueva normativa?",{"type":107,"content":4740},[4741],{"type":110,"attrs":4742,"content":4743},{"textAlign":25},[4744],{"text":4745,"type":116},"Sí. La factura simplificada es un documento fiscal válido y se puede contabilizar. Bajo el nuevo régimen, el estado de la factura simplificada debe rastrearse electrónicamente, igual que una factura completa. El umbral se mantiene en 400 € para el contexto general.",{"_uid":4747,"title":4748,"component":3154,"description":4749},"40c8e014-8da6-4c80-b002-7fa67142ecde","¿Hay ayudas del Kit Digital para adaptarse a la factura electrónica?",{"type":107,"content":4750},[4751],{"type":110,"attrs":4752,"content":4753},{"textAlign":25},[4754],{"text":4755,"type":116},"Sí, existe una categoría específica dentro del programa Kit Digital, con ayudas de hasta 12.000 € para pymes, destinada a la digitalización de la facturación. 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